{"id":3827,"date":"2013-04-16T07:10:46","date_gmt":"2013-04-16T05:10:46","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=3827"},"modified":"2013-04-19T10:35:40","modified_gmt":"2013-04-19T08:35:40","slug":"jak-pristupuji-banky-k-handicapovanym-pri-zadosti-o-hypoteku","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=3827","title":{"rendered":"Jak p\u0159istupuj\u00ed banky k handicapovan\u00fdm p\u0159i \u017e\u00e1dosti o hypot\u00e9ku"},"content":{"rendered":"<p><strong>Pot\u0159ebujete si za\u017e\u00e1dat o hypot\u00e9ku, \u010di \u00fav\u011br a nev\u00edte, zda se soci\u00e1ln\u00ed d\u00e1vky zapo\u010d\u00edt\u00e1vaj\u00ed v pln\u00e9 v\u00fd\u0161i do Va\u0161ich p\u0159\u00edjm\u016f. Nebo zda V\u00e1s nebudou banky n\u011bjak diskriminovat? Oslovili jsme nejp\u0159edn\u011bj\u0161\u00ed bankovn\u00ed domy a p\u0159in\u00e1\u0161\u00edme V\u00e1m jejich vyj\u00e1d\u0159en\u00ed.<\/strong><br \/>\n<!--more--><br \/>\nV\u0161ichni handicapovan\u00ed jsou zvykl\u00ed, \u017ee kdy\u017e n\u011bco cht\u011bj\u00ed nap\u0159\u00edklad po \u010desk\u00fdch \u00fa\u0159adech, tak ke v\u011bt\u0161in\u011b \u017e\u00e1dost\u00ed mus\u00ed dolo\u017eit nejr\u016fzn\u011bj\u0161\u00ed zdravotn\u00ed posudky, kter\u00e9 mnohdy sh\u00e1n\u00ed d\u00e9le, ne\u017e pak trv\u00e1 n\u00e1sledn\u00e9 vy\u0159\u00edzen\u00ed \u017e\u00e1dosti. U banky se n\u011b\u010deho podobn\u00e9ho ob\u00e1vat nemus\u00edte. Nikde \u017e\u00e1dn\u00e9 zdravotn\u00ed zpr\u00e1vy necht\u011bj\u00ed, k handicapovan\u00fdm p\u0159istupuj\u00ed jako ke zdrav\u00fdm lidem.<\/p>\n<p>&#8222;Na handicapovan\u00e9ho klienta se d\u00edv\u00e1me stejn\u011b jako na jak\u00e9hokoli jin\u00e9ho klienta, \u017e\u00e1dn\u00e9 zdravotn\u00ed zpr\u00e1vy \u010di doklady o zdravotn\u00edm stavu nejsou pot\u0159ebn\u00e9. Jako u jin\u00fdch klient\u016f zkoum\u00e1me zejm\u00e9na trvalost a stabilitu p\u0159\u00edjm\u016f a tud\u00ed\u017e schopnost spl\u00e1cet hypot\u00e9ku,&#8220; uji\u0161\u0165uje mluv\u010d\u00ed Raiffeisenbank Tom\u00e1\u0161 Kofro\u0148.<\/p>\n<p>Stejn\u00e9ho p\u0159\u00edstupu se podle tiskov\u00e9 mluv\u010d\u00ed Hypote\u010dn\u00ed banky Kate\u0159iny Kr\u00e1sov\u00e9 do\u010dk\u00e1te v cel\u00e9 skupin\u011b bank. &#8222;Handicapovan\u00fd klient je pro n\u00e1s b\u011b\u017en\u00fdm klientem a v Hypote\u010dn\u00ed bance ke ka\u017ed\u00e9mu klientovi p\u0159istupujeme v\u017edy individu\u00e1ln\u011b a jeho pot\u0159eby financov\u00e1n\u00ed bydlen\u00ed \u0159e\u0161\u00edme dle jeho aktu\u00e1ln\u00edch pot\u0159eb tak, abychom na\u0161li \u0159e\u0161en\u00ed p\u0159\u00edmo na m\u00edru ka\u017ed\u00e9ho klienta,.&#8220;<\/p>\n<p>V Citibank si \u017eadatel dokonce m\u016f\u017ee domluvit sch\u016fzku s bank\u00e9\u0159em t\u0159eba p\u0159\u00edmo doma. &#8222;Citibank Europe plc p\u0159istupuje ke zdravotn\u011b posti\u017een\u00fdm klient\u016fm v\u017edy individu\u00e1ln\u011b s ohledem na jejich handicap a sna\u017e\u00ed se jim vyj\u00edt maxim\u00e1ln\u011b vst\u0159\u00edc p\u0159i jejich komunikaci s bankou. Klienti si mohou sjednat sch\u016fzku s bank\u00e9\u0159em na m\u00edst\u011b, kter\u00e9 si sami zvol\u00ed, \u010d\u00edm\u017e jim chceme co nejv\u00edce jejich situaci usnadnit,&#8220; popisuje slu\u017eby banky \u0159editelka pro vn\u011bj\u0161\u00ed vztahy Citibank Eva Chaloupkov\u00e1.<\/p>\n<p>A dod\u00e1v\u00e1, \u017ee v sou\u010dasn\u00e9 dob\u011b maj\u00ed ji\u017e n\u011bkolik pobo\u010dek bezbari\u00e9rov\u00fdch a pl\u00e1nuj\u00ed nov\u00e9 inovace, kter\u00e9 je\u0161t\u011b v\u00edce zlep\u0161\u00ed handicapovan\u00fdm klient\u016fm styk s bankou.<\/p>\n<p><strong>Lid\u00e9 pob\u00edraj\u00edc\u00ed ID t\u0159et\u00edho stupn\u011b maj\u00ed v\u00fdhodu<\/strong><\/p>\n<p>Tou nejd\u016fle\u017eit\u011bj\u0161\u00ed ot\u00e1zkou v\u0161ak je, zda m\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem. Dobrou zpr\u00e1vou je, \u017ee v\u0161echny n\u00e1mi osloven\u00e9 banky soci\u00e1ln\u00ed d\u00e1vky zapo\u010d\u00edt\u00e1vaj\u00ed v pln\u00e9 v\u00fd\u0161i do Va\u0161ich p\u0159\u00edjm\u016f. Je ale pravdou, \u017ee zde u\u017e n\u011bkter\u00e1 omezen\u00ed plat\u00ed.<\/p>\n<p>Ne v\u0161echny d\u00e1vky je toti\u017e mo\u017en\u00e9 do p\u0159\u00edjm\u016f \u017eadatele zapo\u010d\u00edtat. Asi t\u011b\u017eko si lze p\u0159edstavit, \u017ee by dostal hypot\u00e9ku \u010dlov\u011bk, kter\u00fd nap\u0159\u00edklad pob\u00edr\u00e1 d\u00e1vky v hmotn\u00e9 nouzi nebo p\u0159\u00edsp\u011bvek na bydlen\u00ed.<\/p>\n<p>Obecn\u011b v\u0161ak lze \u0159\u00edci, \u017ee d\u00e1vky souvisej\u00edc\u00ed se zdravotn\u00edm stavem \u017eadatele banky do p\u0159\u00edjm\u016f zapo\u010d\u00edt\u00e1vaj\u00ed. Nejv\u011bt\u0161\u00ed \u0161anci pak maj\u00ed ti, kte\u0159\u00ed pob\u00edraj\u00ed invalidn\u00ed d\u016fchod t\u0159et\u00edho stupn\u011b.<\/p>\n<p>&#8222;P\u0159i dolo\u017een\u00ed p\u0159\u00edjm\u016f lze zahrnout i dopl\u0148kov\u00e9 p\u0159\u00edjmy, mezi kter\u00e9 nap\u0159\u00edklad pln\u00fd \u010di \u010d\u00e1ste\u010dn\u00fd invalidn\u00ed d\u016fchod pat\u0159\u00ed. Zahrnout lze i n\u011bkter\u00e9 dal\u0161\u00ed dopl\u0148kov\u00e9 p\u0159\u00edjmy, jako rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, v\u00fd\u017eivn\u00e9 na d\u011bti, odm\u011bnu p\u011bstouna atp,&#8220; \u0159\u00edk\u00e1 mluv\u010d\u00ed \u010cesk\u00e9 spo\u0159itelny Marek P\u0161eni\u010dn\u00fd. Podle n\u011bj v \u010cS p\u0159istupuj\u00ed k lidem individu\u00e1ln\u011b a schv\u00e1len\u00ed hypot\u00e9ky z\u00e1le\u017e\u00ed na mnoha faktorech.<\/p>\n<p>&#8222;Pokud je d\u016fchod \u010di jin\u00e1 soci\u00e1ln\u00ed d\u00e1vka pravideln\u00fdm p\u0159\u00edjmem, samoz\u0159ejm\u011b je do p\u0159\u00edjm\u016f klienta zapo\u010d\u00edt\u00e1v\u00e1me. Tak\u00e9 zohledn\u00edme skute\u010dnost, zda tvo\u0159\u00ed hlavn\u00ed p\u0159\u00edjem \u017eadatele nebo pouze dopl\u0148kov\u00fd k p\u0159\u00edjmu plynouc\u00edmu nap\u0159\u00edklad ze z\u00e1visl\u00e9 \u010dinnosti nebo podnik\u00e1n\u00ed. V souvislosti s poskytov\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru banka neposuzuje sou\u010dasn\u00fd ani p\u0159\u00edpadn\u00fd budouc\u00ed zdravotn\u00ed stav \u017eadatele,&#8220; vysv\u011btluje Monika Klucov\u00e1, tiskov\u00e1 mluv\u010d\u00ed Komer\u010dn\u00ed banky.<\/p>\n<p><strong>Maxim\u00e1ln\u011b pades\u00e1t procent<\/strong><\/p>\n<p>Cht\u011bli jsme tak\u00e9 po bank\u00e1ch vyj\u00e1d\u0159en\u00ed, jak\u00fd by m\u011bl b\u00fdt maxim\u00e1ln\u00ed procentu\u00e1ln\u00ed pom\u011br soci\u00e1ln\u00edch d\u00e1vek k ostatn\u00edm p\u0159\u00edjm\u016fm, proto\u017ee to m\u016f\u017ee b\u00fdt pro \u0159adu lid\u00ed podstatn\u00e9.<\/p>\n<p>K tomu se v\u011bt\u0161ina osloven\u00fdch bank stav\u011bla zdr\u017eenliv\u011b. Mluv\u010d\u00ed Fio banky Vendula \u017daloud\u00edkov\u00e1 uvedla, \u017ee z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edm p\u0159\u00edpadu a individu\u00e1ln\u00edm posouzen\u00ed. V Raiffeisenbank takovou informaci pova\u017euj\u00ed dokonce za intern\u00ed a tajnou.<\/p>\n<p>Jedin\u011b v Hypote\u010dn\u00ed bance maj\u00ed procentu\u00e1ln\u00ed strop p\u0159\u00edmo ur\u010den\u00fd. &#8222;V\u00fd\u0161e invalidn\u00edho d\u016fchodu nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e 50% celkov\u00fdch p\u0159\u00edjm\u016f v\u0161ech spolu\u017eadatel\u016f,&#8220; uvedla Kate\u0159ina Kr\u00e1sov\u00e1.<\/p>\n<p>Uvedeme-li modelov\u00fd p\u0159\u00edklad, v praxi to tedy znamen\u00e1 n\u00e1sleduj\u00edc\u00ed:\u00a0 Pokud je nap\u0159\u00edklad man\u017eelsk\u00fd p\u00e1r, kde oba man\u017eel\u00e9 pob\u00edraj\u00ed invalidn\u00ed d\u016fchod t\u0159et\u00edho stupn\u011b 9000 K\u010d a k tomu jeden z nich m\u00e1 je\u0161t\u011b p\u0159\u00edsp\u011bvek na p\u00e9\u010di druh\u00e9ho stupn\u011b 4000 K\u010d, pak jejich celkov\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u010din\u00ed pouze 22 000 korun a nen\u00ed tak dosta\u010duj\u00edc\u00ed. Oba dohromady mus\u00ed m\u00edt p\u0159\u00edjem je\u0161t\u011b z jin\u00fdch \u010dinnost\u00ed, aby p\u0159es\u00e1hl pot\u0159ebnou celkovou \u010d\u00e1stku 36 000 K\u010d. To ale pro p\u00e1r, kde jsou oba posti\u017een\u00ed, nen\u00ed snadn\u00e9.<\/p>\n<p>I kdy\u017e \u017e\u00e1dn\u00e1 jin\u00e1 banka podobn\u00fd \u00fadaj neuvedla, lze o\u010dek\u00e1vat, \u017ee to u v\u0161ech bude asi obdobn\u00e9. Nab\u00eddky jednotliv\u00fdch bank se toti\u017e z\u00e1sadn\u011b neli\u0161\u00ed.<\/p>\n<p>Z na\u0161eho pr\u016fzkumu vypl\u00fdv\u00e1, \u017ee ka\u017ed\u00fd handicapovan\u00fd si m\u016f\u017ee svobodn\u011b vybrat, u jak\u00e9 banky si o hypot\u00e9ku bude \u017e\u00e1dat, v\u0161ude k n\u011bmu budou p\u0159istupovat jako ke zdrav\u00e9mu a budou individu\u00e1ln\u011b posuzovat jeho \u017e\u00e1dost.<\/p>\n<p>Ji\u0159\u00ed Marek<br \/>\ninvArena<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Pot\u0159ebujete si za\u017e\u00e1dat o hypot\u00e9ku, \u010di \u00fav\u011br a nev\u00edte, zda se soci\u00e1ln\u00ed d\u00e1vky zapo\u010d\u00edt\u00e1vaj\u00ed v pln\u00e9 v\u00fd\u0161i do Va\u0161ich p\u0159\u00edjm\u016f. Nebo zda V\u00e1s nebudou banky <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=3827\" title=\"Jak p\u0159istupuj\u00ed banky k handicapovan\u00fdm p\u0159i \u017e\u00e1dosti o hypot\u00e9ku\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,18],"tags":[],"class_list":["post-3827","post","type-post","status-publish","format-standard","hentry","category-nezarazene","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/3827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3827"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/3827\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}